Buckinghamshire Building Society has expanded its Credit Revive range to include new buy-to-let and later life products aimed at borrowers with historic credit issues, including landlords and those borrowing into retirement.
The mutual lender introduced three new products as part of the extension, marking the first time the Credit Revive range has been available to buy-to-let and later life borrowers. The products are designed for applicants whose past credit problems have stabilised and who can demonstrate affordability today.
The new additions are:
Buy to Let Credit Revive Fixed 5.69% to 31/05/2028, up to 75% LTV
Buy to Let Credit Revive Ltd Company Fixed 5.89% to 31/05/2028, up to 75% LTV, SPVs only
Retirement Credit Revive Fixed 5.79% to 31/05/2031, up to 70% LTV
Previously, Credit Revive products were only available for residential purchase and remortgage cases. The expanded range now extends support to landlords seeking finance after past financial difficulty, as well as borrowers in later life who may face more limited options in the mainstream market.
The society said Credit Revive is designed for customers with a history of arrears, missed payments or CCJs, provided their circumstances have improved and they pass current affordability checks. Each application is manually underwritten, allowing the lender to assess the borrower’s situation in detail rather than relying solely on automated credit scoring.
This approach is intended to help borrowers who have rebuilt their finances but remain constrained by historic credit markers when applying for standard mortgage products. Buckinghamshire said the updated range reflects growing broker demand for solutions that address complex borrower profiles, particularly among landlords and older applicants.
“We know that brokers are working with more clients who have strong current affordability but still carry the legacy of past credit issues,” said Claire Askham, head of mortgage sales at Buckinghamshire Building Society (pictured). “This is about recognising recovery and making sure people aren’t shut out of the market because of a historic blip.
“Whether it’s a landlord rebuilding after a challenging few years or someone in later life looking for a fresh start,” she added, “these products are about practical lending solutions that reflect where people are today, not where they’ve been previously. That’s what Credit Revive is designed to do.”
Buckinghamshire said the extension of Credit Revive is part of a broader focus on supporting borrowers whose financial position has improved but who still need specialist underwriting. The society expects the new buy-to-let and retirement options to widen access for applicants who fall outside standard lending criteria while maintaining responsible affordability checks.
